WallStSmart

Berkshire Hathaway Inc (BRK-B)vsUS Century Bank (USCB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 397231% more annual revenue ($375.39B vs $94.48M). USCB leads profitability with a 30.4% profit margin vs 19.3%. USCB trades at a lower P/E of 14.2x. USCB earns a higher WallStSmart Score of 64/100 (C+).

BRK-B

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.59

USCB

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 7.5Value: 6.0Quality: 4.0
Piotroski: 3/9Altman Z: -0.93

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.12T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

USCB5 strengths · Avg: 8.8/10
Profit MarginProfitability
30.4%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
49.1%10/10

Strong operational efficiency at 49.1%

P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
22.5%8/10

Earnings expanding 22.5% YoY

Areas to Watch

BRK-B3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

Expensive relative to growth rate

USCB3 concerns · Avg: 2.7/10
Market CapQuality
$403.15M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.932/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-B

The strongest argument for BRK-B centers on Market Cap, Price/Book, EPS Growth. Profitability is solid with margins at 19.3% and operating margin at 14.3%.

Bull Case : USCB

The strongest argument for USCB centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 30.4% and operating margin at 49.1%. Revenue growth of 14.1% demonstrates continued momentum.

Bear Case : BRK-B

The primary concerns for BRK-B are Revenue Growth, Piotroski F-Score, PEG Ratio.

Bear Case : USCB

The primary concerns for USCB are Market Cap, Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

BRK-B profiles as a value stock while USCB is a mature play — different risk/reward profiles.

BRK-B carries more volatility with a beta of 0.61 — expect wider price swings.

USCB is growing revenue faster at 14.1% — sustainability is the question.

BRK-B generates stronger free cash flow (5.5B), providing more financial flexibility.

Bottom Line

USCB scores higher overall (64/100 vs 62/100), backed by strong 30.4% margins and 14.1% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Berkshire Hathaway Inc

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Berkshire Hathaway Inc. is an American multinational conglomerate holding company headquartered in Omaha, Nebraska, United States. The company wholly owns GEICO, Duracell, Dairy Queen, BNSF, Lubrizol, Fruit of the Loom, Helzberg Diamonds, Long & Foster, FlightSafety International, Pampered Chef, Forest River, and NetJets, and also owns 38.6% of Pilot Flying J; and significant minority holdings in public companies Kraft Heinz Company (26.7%), American Express (18.8%), The Coca-Cola Company (9.32%), Bank of America (11.9%), and Apple (6.3%).

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US Century Bank

FINANCIAL SERVICES · BANKS - REGIONAL · USA

US Century Bank (USCB), based in Miami, Florida, is a prominent financial institution distinguished by its dedication to exceptional customer service and deep-rooted community involvement. The bank offers a diverse suite of banking products, including personal and commercial loans, deposit accounts, and treasury management solutions, positioning itself as a key partner for small and medium-sized enterprises in South Florida’s dynamic economy. USCB leverages its local expertise to drive economic development, playing an integral role in enhancing regional prosperity and fostering sustainable financial growth in the communities it serves.

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